Home > Bay Bank & Trust Co. > Performance and Condition Ratios
Bay Bank & Trust Co., Performance and Condition Ratios
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6620% | 6,887 |
| Cost of funding earning assets | 0.3475% | 7,017 |
| Net interest margin | 3.3145% | 5,763 |
| Noninterest income to average assets | 0.7357% | 2,414 |
| Noninterest expense to average assets | 3.7260% | 1,490 |
| Loan and lease loss provision to assets | 1.5111% | 486 |
| Net operating income to assets | -1.4486% | 6,895 |
| Return on assets (ROA) | -1.5359% | 6,939 |
| Pretax return on assets | -1.5359% | 6,907 |
| Return on Equity (ROE) | -13.8580% | 6,858 |
| Retained earnings to average equity (ytd only) | -13.8580% | 6,835 |
| Net charge-offs to loans | 3.0407% | 315 |
| Credit loss provision to net charge-offs | 97.8815% | 3,673 |
| Earnings coverage of net charge-offs (x) | 0.0405% | 5,792 |
| Efficiency ratio | 98.3499% | 719 |
| Assets per employee ($millions) | 2.8706% | 6,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9195% | 2,510 |
| Loan loss allowance to noncurrent loans | 47.2024% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 3.4127% | 1,737 |
| Noncurrent loans to loans | 4.0665% | 1,532 |
| Net loans and leases to total assets | 49.3130% | 5,683 |
| Net loans and leases to deposits | 55.5109% | 5,928 |
| Net loans and leases to core deposits | 59.3081% | 5,904 |
| Total domestic deposits to total assets | 88.8348% | 1,646 |
| Equity capital to assets | 11.0142% | 2,968 |
| Core capital (leverage) ratio | 10.7048% | 2,520 |
| Tier 1 risk-based capital ratio | 20.9657% | 1,419 |
| Total risk-based capital ratio | 22.2231% | 1,397 |
| Memoranda: | ||
| Average total assets | $241,548,800 | 2,620 |
| Average earning assets | $222,476,400 | 2,582 |
| Average equity | $26,771,600 | 2,414 |
| Average total loans | $122,636,200 | 3,131 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6921% | 6,943 |
| Cost of funding earning assets | 0.3697% | 7,088 |
| Net interest margin | 3.3224% | 5,796 |
| Noninterest income to average assets | 0.7033% | 2,587 |
| Noninterest expense to average assets | 3.7324% | 1,432 |
| Loan and lease loss provision to assets | 1.8320% | 325 |
| Net operating income to assets | -1.8047% | 7,102 |
| Return on assets (ROA) | -1.9211% | 7,134 |
| Pretax return on assets | -1.9211% | 7,110 |
| Return on Equity (ROE) | -17.3080% | 7,056 |
| Retained earnings to average equity (ytd only) | -17.3080% | 7,038 |
| Net charge-offs to loans | 3.5947% | 208 |
| Credit loss provision to net charge-offs | 100.1495% | 3,360 |
| Earnings coverage of net charge-offs (x) | 0.0149% | 5,589 |
| Efficiency ratio | 99.2727% | 683 |
| Assets per employee ($millions) | 2.8722% | 6,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 2,574 |
| Loan loss allowance to noncurrent loans | 46.7953% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 3.5165% | 1,792 |
| Noncurrent loans to loans | 4.0931% | 1,620 |
| Net loans and leases to total assets | 48.2837% | 5,925 |
| Net loans and leases to deposits | 54.0605% | 6,209 |
| Net loans and leases to core deposits | 57.6664% | 6,154 |
| Total domestic deposits to total assets | 89.3142% | 1,246 |
| Equity capital to assets | 10.4450% | 3,775 |
| Core capital (leverage) ratio | 10.4203% | 2,970 |
| Tier 1 risk-based capital ratio | 20.5072% | 1,562 |
| Total risk-based capital ratio | 21.7645% | 1,533 |
| Memoranda: | ||
| Average total assets | $243,806,750 | 2,597 |
| Average earning assets | $224,292,250 | 2,576 |
| Average equity | $27,062,000 | 2,392 |
| Average total loans | $124,069,000 | 3,123 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7632% | 6,958 |
| Cost of funding earning assets | 0.3939% | 7,138 |
| Net interest margin | 3.3693% | 5,642 |
| Noninterest income to average assets | 0.7300% | 2,373 |
| Noninterest expense to average assets | 4.0010% | 1,054 |
| Loan and lease loss provision to assets | 2.7190% | 179 |
| Net operating income to assets | -2.8961% | 7,299 |
| Return on assets (ROA) | -3.0906% | 7,321 |
| Pretax return on assets | -3.0906% | 7,315 |
| Return on Equity (ROE) | -27.2972% | 7,218 |
| Retained earnings to average equity (ytd only) | -27.2972% | 7,208 |
| Net charge-offs to loans | 1.6622% | 873 |
| Credit loss provision to net charge-offs | 317.9191% | 956 |
| Earnings coverage of net charge-offs (x) | -0.2071% | 5,410 |
| Efficiency ratio | 104.6326% | 598 |
| Assets per employee ($millions) | 2.7941% | 6,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7382% | 500 |
| Loan loss allowance to noncurrent loans | 67.8455% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 4.3920% | 1,436 |
| Noncurrent loans to loans | 5.5099% | 1,147 |
| Net loans and leases to total assets | 48.0177% | 6,046 |
| Net loans and leases to deposits | 53.7213% | 6,328 |
| Net loans and leases to core deposits | 57.4578% | 6,307 |
| Total domestic deposits to total assets | 89.3830% | 1,310 |
| Equity capital to assets | 10.3941% | 3,639 |
| Core capital (leverage) ratio | 10.4188% | 2,799 |
| Tier 1 risk-based capital ratio | 19.9153% | 1,625 |
| Total risk-based capital ratio | 21.1941% | 1,595 |
| Memoranda: | ||
| Average total assets | $242,739,330 | 2,624 |
| Average earning assets | $222,897,330 | 2,613 |
| Average equity | $27,482,670 | 2,350 |
| Average total loans | $124,894,000 | 3,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7647% | 6,993 |
| Cost of funding earning assets | 0.4123% | 7,200 |
| Net interest margin | 3.3524% | 5,600 |
| Noninterest income to average assets | 0.7082% | 2,530 |
| Noninterest expense to average assets | 4.3588% | 687 |
| Loan and lease loss provision to assets | 0.4976% | 1,756 |
| Net operating income to assets | -1.0598% | 7,059 |
| Return on assets (ROA) | -1.4513% | 7,189 |
| Pretax return on assets | -1.4513% | 7,144 |
| Return on Equity (ROE) | -12.3042% | 7,085 |
| Retained earnings to average equity (ytd only) | -12.3042% | 6,955 |
| Net charge-offs to loans | 0.0571% | 4,361 |
| Credit loss provision to net charge-offs | 1,666.6667% | 233 |
| Earnings coverage of net charge-offs (x) | -18.8333% | 5,076 |
| Efficiency ratio | 114.8100% | 415 |
| Assets per employee ($millions) | 2.7975% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0616% | 2,265 |
| Loan loss allowance to noncurrent loans | 30.9787% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 4.5174% | 1,442 |
| Noncurrent loans to loans | 6.6548% | 873 |
| Net loans and leases to total assets | 50.2693% | 5,811 |
| Net loans and leases to deposits | 56.8730% | 6,043 |
| Net loans and leases to core deposits | 61.0781% | 6,007 |
| Total domestic deposits to total assets | 88.3887% | 2,149 |
| Equity capital to assets | 11.4350% | 2,323 |
| Core capital (leverage) ratio | 11.8013% | 1,676 |
| Tier 1 risk-based capital ratio | 21.2189% | 1,362 |
| Total risk-based capital ratio | 22.4780% | 1,330 |
| Memoranda: | ||
| Average total assets | $241,169,000 | 2,653 |
| Average earning assets | $222,167,000 | 2,633 |
| Average equity | $28,445,500 | 2,277 |
| Average total loans | $126,015,500 | 3,134 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8792% | 7,211 |
| Cost of funding earning assets | 0.5278% | 7,258 |
| Net interest margin | 3.3514% | 5,784 |
| Noninterest income to average assets | 0.6986% | 2,849 |
| Noninterest expense to average assets | 3.4860% | 2,217 |
| Loan and lease loss provision to assets | 0.3881% | 3,785 |
| Net operating income to assets | -0.0897% | 5,977 |
| Return on assets (ROA) | 0.0254% | 5,899 |
| Pretax return on assets | 0.0254% | 5,847 |
| Return on Equity (ROE) | 0.2025% | 5,900 |
| Retained earnings to average equity (ytd only) | 0.2025% | 5,468 |
| Net charge-offs to loans | 1.2796% | 1,754 |
| Credit loss provision to net charge-offs | 55.3165% | 6,172 |
| Earnings coverage of net charge-offs (x) | 0.4253% | 5,685 |
| Efficiency ratio | 92.1149% | 1,176 |
| Assets per employee ($millions) | 2.7460% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8485% | 2,693 |
| Loan loss allowance to noncurrent loans | 32.2505% | 6,165 |
| Noncurrent assets plus other real estate owned to assets | 4.3463% | 1,536 |
| Noncurrent loans to loans | 5.7316% | 1,113 |
| Net loans and leases to total assets | 52.2320% | 5,882 |
| Net loans and leases to deposits | 59.5923% | 6,103 |
| Net loans and leases to core deposits | 64.5668% | 6,012 |
| Total domestic deposits to total assets | 87.6488% | 2,452 |
| Equity capital to assets | 12.1699% | 1,814 |
| Core capital (leverage) ratio | 12.3748% | 1,362 |
| Tier 1 risk-based capital ratio | 22.5651% | 1,098 |
| Total risk-based capital ratio | 23.7872% | 1,086 |
| Memoranda: | ||
| Average total assets | $231,898,200 | 2,725 |
| Average earning assets | $213,523,200 | 2,708 |
| Average equity | $29,135,400 | 2,233 |
| Average total loans | $127,154,000 | 3,175 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8780% | 7,356 |
| Cost of funding earning assets | 0.5459% | 7,385 |
| Net interest margin | 3.3321% | 5,920 |
| Noninterest income to average assets | 0.6770% | 2,964 |
| Noninterest expense to average assets | 3.4673% | 2,119 |
| Loan and lease loss provision to assets | 0.3466% | 3,840 |
| Net operating income to assets | -0.0699% | 6,147 |
| Return on assets (ROA) | 0.0774% | 5,968 |
| Pretax return on assets | 0.0774% | 5,957 |
| Return on Equity (ROE) | 0.6111% | 5,988 |
| Retained earnings to average equity (ytd only) | 0.6111% | 5,556 |
| Net charge-offs to loans | 1.1417% | 1,786 |
| Credit loss provision to net charge-offs | 54.9451% | 5,806 |
| Earnings coverage of net charge-offs (x) | 0.4386% | 5,585 |
| Efficiency ratio | 92.6103% | 1,074 |
| Assets per employee ($millions) | 2.7217% | 6,743 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0227% | 2,166 |
| Loan loss allowance to noncurrent loans | 31.2982% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 4.6692% | 1,422 |
| Noncurrent loans to loans | 6.4627% | 923 |
| Net loans and leases to total assets | 53.5585% | 5,907 |
| Net loans and leases to deposits | 61.5071% | 6,168 |
| Net loans and leases to core deposits | 66.8364% | 6,047 |
| Total domestic deposits to total assets | 87.0770% | 2,481 |
| Equity capital to assets | 12.6356% | 1,786 |
| Core capital (leverage) ratio | 12.7910% | 1,303 |
| Tier 1 risk-based capital ratio | 23.3255% | 1,023 |
| Total risk-based capital ratio | 24.5840% | 998 |
| Memoranda: | ||
| Average total assets | $230,833,750 | 2,773 |
| Average earning assets | $212,475,250 | 2,760 |
| Average equity | $29,234,250 | 2,260 |
| Average total loans | $127,524,500 | 3,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8623% | 7,455 |
| Cost of funding earning assets | 0.5640% | 7,460 |
| Net interest margin | 3.2983% | 6,024 |
| Noninterest income to average assets | 0.6659% | 2,924 |
| Noninterest expense to average assets | 3.5550% | 1,897 |
| Loan and lease loss provision to assets | 0.1951% | 4,927 |
| Net operating income to assets | -0.0468% | 6,146 |
| Return on assets (ROA) | -0.0468% | 6,236 |
| Pretax return on assets | -0.0468% | 6,196 |
| Return on Equity (ROE) | -0.3694% | 6,229 |
| Retained earnings to average equity (ytd only) | -0.3694% | 5,811 |
| Net charge-offs to loans | 1.5186% | 1,257 |
| Credit loss provision to net charge-offs | 23.1720% | 5,821 |
| Earnings coverage of net charge-offs (x) | 0.1761% | 5,544 |
| Efficiency ratio | 95.9963% | 967 |
| Assets per employee ($millions) | 2.6510% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8307% | 2,630 |
| Loan loss allowance to noncurrent loans | 27.9713% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 4.9183% | 1,317 |
| Noncurrent loans to loans | 6.5448% | 908 |
| Net loans and leases to total assets | 54.1924% | 5,964 |
| Net loans and leases to deposits | 62.4077% | 6,193 |
| Net loans and leases to core deposits | 67.3471% | 6,116 |
| Total domestic deposits to total assets | 86.8360% | 2,630 |
| Equity capital to assets | 12.8767% | 1,619 |
| Core capital (leverage) ratio | 12.7714% | 1,297 |
| Tier 1 risk-based capital ratio | 23.0399% | 1,069 |
| Total risk-based capital ratio | 24.2973% | 1,043 |
| Memoranda: | ||
| Average total assets | $230,662,670 | 2,803 |
| Average earning assets | $212,411,670 | 2,785 |
| Average equity | $29,235,000 | 2,244 |
| Average total loans | $127,878,000 | 3,237 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7565% | 7,606 |
| Cost of funding earning assets | 0.5851% | 7,558 |
| Net interest margin | 3.1714% | 6,377 |
| Noninterest income to average assets | 0.6724% | 2,797 |
| Noninterest expense to average assets | 3.6052% | 1,727 |
| Loan and lease loss provision to assets | 0.1293% | 5,277 |
| Net operating income to assets | -0.1276% | 6,457 |
| Return on assets (ROA) | -0.1276% | 6,540 |
| Pretax return on assets | -0.1276% | 6,491 |
| Return on Equity (ROE) | -1.0146% | 6,530 |
| Retained earnings to average equity (ytd only) | -1.0146% | 6,052 |
| Net charge-offs to loans | 2.9327% | 528 |
| Credit loss provision to net charge-offs | 7.9365% | 5,069 |
| Earnings coverage of net charge-offs (x) | 0.0011% | 5,022 |
| Efficiency ratio | 99.9522% | 842 |
| Assets per employee ($millions) | 2.7122% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 2,966 |
| Loan loss allowance to noncurrent loans | 22.0447% | 6,913 |
| Noncurrent assets plus other real estate owned to assets | 4.9463% | 1,313 |
| Noncurrent loans to loans | 7.8317% | 700 |
| Net loans and leases to total assets | 54.4661% | 5,969 |
| Net loans and leases to deposits | 62.6456% | 6,212 |
| Net loans and leases to core deposits | 67.4400% | 6,157 |
| Total domestic deposits to total assets | 86.9432% | 2,661 |
| Equity capital to assets | 12.8053% | 1,598 |
| Core capital (leverage) ratio | 12.7668% | 1,306 |
| Tier 1 risk-based capital ratio | 22.1837% | 1,181 |
| Total risk-based capital ratio | 23.4442% | 1,155 |
| Memoranda: | ||
| Average total assets | $232,001,000 | 2,853 |
| Average earning assets | $214,668,500 | 2,809 |
| Average equity | $29,174,000 | 2,275 |
| Average total loans | $128,889,500 | 3,277 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8771% | 7,739 |
| Cost of funding earning assets | 0.8248% | 7,517 |
| Net interest margin | 3.0522% | 6,514 |
| Noninterest income to average assets | 0.6452% | 3,324 |
| Noninterest expense to average assets | 3.2880% | 3,047 |
| Loan and lease loss provision to assets | 1.0006% | 2,270 |
| Net operating income to assets | -0.7932% | 6,430 |
| Return on assets (ROA) | -0.7932% | 6,428 |
| Pretax return on assets | -0.7932% | 6,260 |
| Return on Equity (ROE) | -6.3607% | 6,338 |
| Retained earnings to average equity (ytd only) | -6.3607% | 6,183 |
| Net charge-offs to loans | 1.1689% | 2,094 |
| Credit loss provision to net charge-offs | 153.3291% | 2,988 |
| Earnings coverage of net charge-offs (x) | 0.3178% | 5,799 |
| Efficiency ratio | 94.0659% | 1,412 |
| Assets per employee ($millions) | 2.7146% | 6,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3192% | 1,450 |
| Loan loss allowance to noncurrent loans | 36.0094% | 6,032 |
| Noncurrent assets plus other real estate owned to assets | 4.3231% | 1,512 |
| Noncurrent loans to loans | 6.4406% | 941 |
| Net loans and leases to total assets | 54.3921% | 6,156 |
| Net loans and leases to deposits | 62.2335% | 6,438 |
| Net loans and leases to core deposits | 75.8153% | 6,412 |
| Total domestic deposits to total assets | 87.4000% | 2,265 |
| Equity capital to assets | 12.3528% | 1,821 |
| Core capital (leverage) ratio | 12.3716% | 1,501 |
| Tier 1 risk-based capital ratio | 21.2458% | 1,255 |
| Total risk-based capital ratio | 22.5076% | 1,225 |
| Memoranda: | ||
| Average total assets | $243,944,200 | 2,673 |
| Average earning assets | $227,802,000 | 2,615 |
| Average equity | $30,421,400 | 2,199 |
| Average total loans | $136,198,400 | 3,151 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 7,848 |
| Cost of funding earning assets | 0.8670% | 7,608 |
| Net interest margin | 3.0002% | 6,614 |
| Noninterest income to average assets | 0.6371% | 3,446 |
| Noninterest expense to average assets | 3.2697% | 3,031 |
| Loan and lease loss provision to assets | 0.6317% | 2,865 |
| Net operating income to assets | -0.4571% | 6,382 |
| Return on assets (ROA) | -0.4571% | 6,388 |
| Pretax return on assets | -0.4571% | 6,252 |
| Return on Equity (ROE) | -3.6572% | 6,308 |
| Retained earnings to average equity (ytd only) | -3.6572% | 6,054 |
| Net charge-offs to loans | 0.8628% | 2,242 |
| Credit loss provision to net charge-offs | 131.0461% | 3,816 |
| Earnings coverage of net charge-offs (x) | 0.3622% | 5,664 |
| Efficiency ratio | 94.9307% | 1,335 |
| Assets per employee ($millions) | 2.7816% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8642% | 2,124 |
| Loan loss allowance to noncurrent loans | 33.2171% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 3.6984% | 1,761 |
| Noncurrent loans to loans | 5.6122% | 1,107 |
| Net loans and leases to total assets | 53.8825% | 6,396 |
| Net loans and leases to deposits | 62.2057% | 6,654 |
| Net loans and leases to core deposits | 77.6364% | 6,518 |
| Total domestic deposits to total assets | 86.6198% | 2,368 |
| Equity capital to assets | 12.5327% | 1,933 |
| Core capital (leverage) ratio | 12.2308% | 1,696 |
| Tier 1 risk-based capital ratio | 21.7752% | 1,250 |
| Total risk-based capital ratio | 23.0317% | 1,229 |
| Memoranda: | ||
| Average total assets | $245,886,750 | 2,664 |
| Average earning assets | $230,065,000 | 2,618 |
| Average equity | $30,733,250 | 2,207 |
| Average total loans | $137,370,500 | 3,167 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 7,950 |
| Cost of funding earning assets | 0.8975% | 7,701 |
| Net interest margin | 2.9806% | 6,608 |
| Noninterest income to average assets | 0.6109% | 3,601 |
| Noninterest expense to average assets | 3.2632% | 3,108 |
| Loan and lease loss provision to assets | 0.7201% | 2,277 |
| Net operating income to assets | -0.5834% | 6,639 |
| Return on assets (ROA) | -0.5834% | 6,647 |
| Pretax return on assets | -0.5834% | 6,508 |
| Return on Equity (ROE) | -4.6715% | 6,573 |
| Retained earnings to average equity (ytd only) | -4.6715% | 6,256 |
| Net charge-offs to loans | 1.0974% | 1,653 |
| Credit loss provision to net charge-offs | 116.7979% | 3,975 |
| Earnings coverage of net charge-offs (x) | 0.2218% | 5,449 |
| Efficiency ratio | 95.9781% | 1,376 |
| Assets per employee ($millions) | 2.8118% | 6,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7297% | 2,247 |
| Loan loss allowance to noncurrent loans | 34.3662% | 6,160 |
| Noncurrent assets plus other real estate owned to assets | 3.2731% | 1,899 |
| Noncurrent loans to loans | 5.0333% | 1,217 |
| Net loans and leases to total assets | 53.4736% | 6,516 |
| Net loans and leases to deposits | 61.5018% | 6,775 |
| Net loans and leases to core deposits | 75.7492% | 6,694 |
| Total domestic deposits to total assets | 86.9463% | 2,280 |
| Equity capital to assets | 12.2975% | 2,030 |
| Core capital (leverage) ratio | 12.0948% | 1,795 |
| Tier 1 risk-based capital ratio | 21.1104% | 1,374 |
| Total risk-based capital ratio | 22.3648% | 1,345 |
| Memoranda: | ||
| Average total assets | $247,182,670 | 2,666 |
| Average earning assets | $231,296,670 | 2,620 |
| Average equity | $30,868,000 | 2,200 |
| Average total loans | $138,870,000 | 3,162 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8765% | 8,020 |
| Cost of funding earning assets | 0.9510% | 7,750 |
| Net interest margin | 2.9255% | 6,681 |
| Noninterest income to average assets | 0.5667% | 3,780 |
| Noninterest expense to average assets | 3.1847% | 3,056 |
| Loan and lease loss provision to assets | 0.6719% | 1,882 |
| Net operating income to assets | -0.5456% | 6,921 |
| Return on assets (ROA) | -0.5456% | 6,968 |
| Pretax return on assets | -0.5456% | 6,853 |
| Return on Equity (ROE) | -4.3361% | 6,921 |
| Retained earnings to average equity (ytd only) | -4.3361% | 6,467 |
| Net charge-offs to loans | 1.7818% | 814 |
| Credit loss provision to net charge-offs | 66.0828% | 4,417 |
| Earnings coverage of net charge-offs (x) | 0.1242% | 4,876 |
| Efficiency ratio | 96.1858% | 1,311 |
| Assets per employee ($millions) | 2.8275% | 6,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4385% | 3,300 |
| Loan loss allowance to noncurrent loans | 25.5955% | 6,860 |
| Noncurrent assets plus other real estate owned to assets | 3.4086% | 1,589 |
| Noncurrent loans to loans | 5.6200% | 896 |
| Net loans and leases to total assets | 53.5285% | 6,524 |
| Net loans and leases to deposits | 61.3514% | 6,780 |
| Net loans and leases to core deposits | 74.6602% | 6,766 |
| Total domestic deposits to total assets | 87.2490% | 2,092 |
| Equity capital to assets | 12.1419% | 2,170 |
| Core capital (leverage) ratio | 12.5163% | 1,681 |
| Tier 1 risk-based capital ratio | 21.1973% | 1,420 |
| Total risk-based capital ratio | 22.4487% | 1,385 |
| Memoranda: | ||
| Average total assets | $247,054,000 | 2,682 |
| Average earning assets | $231,757,500 | 2,624 |
| Average equity | $31,087,500 | 2,184 |
| Average total loans | $140,983,000 | 3,153 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1024% | 7,767 |
| Cost of funding earning assets | 1.5864% | 7,479 |
| Net interest margin | 3.5161% | 5,246 |
| Noninterest income to average assets | 0.5836% | 3,981 |
| Noninterest expense to average assets | 3.1530% | 3,503 |
| Loan and lease loss provision to assets | 0.3689% | 3,469 |
| Net operating income to assets | 0.2986% | 5,548 |
| Return on assets (ROA) | 0.2986% | 5,360 |
| Pretax return on assets | 0.2986% | 5,516 |
| Return on Equity (ROE) | 2.4873% | 5,425 |
| Retained earnings to average equity (ytd only) | 0.9444% | 4,661 |
| Net charge-offs to loans | 0.4536% | 2,565 |
| Credit loss provision to net charge-offs | 138.0814% | 3,854 |
| Earnings coverage of net charge-offs (x) | 2.4985% | 4,823 |
| Efficiency ratio | 82.5287% | 2,234 |
| Assets per employee ($millions) | 2.5225% | 7,169 |
| Cash dividends to net income (ytd only)* | 62.0286% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5310% | 2,535 |
| Loan loss allowance to noncurrent loans | 44.4287% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 2.4145% | 2,012 |
| Noncurrent loans to loans | 3.4460% | 1,481 |
| Net loans and leases to total assets | 59.0738% | 6,043 |
| Net loans and leases to deposits | 68.5947% | 6,409 |
| Net loans and leases to core deposits | 85.0303% | 6,208 |
| Total domestic deposits to total assets | 86.1201% | 2,348 |
| Equity capital to assets | 13.0520% | 1,763 |
| Core capital (leverage) ratio | 12.9582% | 1,555 |
| Tier 1 risk-based capital ratio | 20.3680% | 1,557 |
| Total risk-based capital ratio | 21.6204% | 1,522 |
| Memoranda: | ||
| Average total assets | $257,535,600 | 2,486 |
| Average earning assets | $237,084,000 | 2,479 |
| Average equity | $30,917,600 | 2,179 |
| Average total loans | $151,686,000 | 2,895 |